Apacs

APACS - Wikipedia, the free encyclopedia
APACS (Association for Payment Clearing Services), the UK payments association, ... APACS information on Cheque Fraud. Guide to Choosing and Using a Credit ...
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APACS, the UK payments association is the trade body that gives banks, building societies and card issuers a forum where they can work together on non-competitive issues. They manage the way that businesses and individuals in the UK move their money around – this covers cash, credit and debit cards, cheques and automated payments such as direct debits, salary payments and online/phone transactions. They champion the fight against banking fraud and are the people who have been working to give consumers greater card fraud protection by introducing chip and PIN.

APACS standards define both procedural and technical practice for:

Debits (including cheques)
Standing order mandates
Coin packaging and banknote wrappers
Magnetic media interchange
Interchange data formats
EFTPOS device communications
Other services

APACS members:

Abbey National
ABN AMRO
Alliance & Leicester
Bank of America
Bank of England
Bank of Ireland
Bank of Scotland
Bank of Tokyo-Mitsubishi
Barclays Bank
Capital One
Citigroup
Co-operative Bank
Deutsche Bank
DnB NOR Bank
Egg
GE Capital
HFC Bank
HSBC
JPMorgan
Lloyds TSB
MBNA
Morgan Stanley
NAB
Nationwide Building Society
Natwest
Northern Rock
RBS
Royal Bank of Scotland
Royal Mail
Standard Chartered Bank
Wachovia

In 1994 APACS commissioned BACS Limited to develop and deliver a networked service known as IBDE (Inter-Bank Data Exchange) to facilitate the clearance of cheques between the member banks.

In the late 1990's - in an effort to counter the growing problem of 'skimming' which is fraudulently copying a credit card for criminal purposes - APACS pioneered the development of credit cards containing a computer chip. The early APACS work proved the viability of 'chip cards', and helped in the creation of the common EMV (Europay, Mastercard, VISA) standards for such cards.

In December 2005, the association of banks started the Faster Payments Service initiative to improve the speed of lower value consumer and business transactions, to be used in parallel with the CHAPS and BACS systems.

APACS also stands for Advanced Process Automation & Control System, which is a distributed control system made by Moore Products, a process instrumentation company in Spring House, Pennsylvania. Moore Products was sold to Siemens AG in 2000. Siemens has since adopted the APACS system and has a migration path for APACS users to their SIMATIC PCS 7 system.

References

APACS website

External links

APACS official website
Guide to Choosing and Using a Credit Card from APACS, the UK Payments Association
Cheque and Credit Clearing Company - the organisation that manages cheque clearing in the UK
Card Watch Card Watch is a UK banking industry initiative that aims to raise awareness of card fraud prevention. Managed by APACS, the UK Payments Association
Payments Council website

APACS - the UK Payments Association
Information about UK money transmission, payments and clearings.

APACS - the UK Payments Association
Number of people banking online increases more than 500% in past seven years (24.07.08) Debit cards continued to be consumers’ first choice during 2007 (30.06.08)

apacs.co.uk
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Card Watch - Card Fraud Prevention - Home
Association for Payment Clearing Services (APACS) is UK banking industry's body that works with police, retailers, cardholders and organisations to fight payment card fraud ...

Assessments of Policing and Community Safety - APACS | Home Office ...
Find out about the work of the Home Office Police and Crime Standards Directorate and its delivery partners to develop a new single performance framework - Assessments of Policing ...

APACS - Wikipedia, the free encyclopedia
APACS, (Association for Payment Clearing Services) the UK payments association is the trade body that gives banks, building societies and card issuers a forum where they can work ...

Livelink Log-in
By logging on to this system, users acknowledge that they have read and understood the following terms: This system is provided by APACS (Administration) Limited for the exchange ...

APACS content at silicon.com
News, Comment, Case Studies, Photos, Video/Audio and White Papers Relating to APACS listed by date.

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phunQube - Case Study - APACS
APACS. APACS is the UK trade association for institutions that deliver payment services to customers. They have 31 members whose payment traffic account for 97% of the UK payments ...